Life Insurance Specialists :: Calculators

Life Insurance Specialists Financial Calculators

Life Insurance Specialists is pleased to provide you with the following calculators to assist you on your financial journey.

Available Calculators

Family Life Insurance Calculator
Plan ahead with our Family Life Insurance Calculator, designed for couples who want a clearer picture of their protection needs. It assesses Life, Trauma and TPD cover for both partners, factors in existing policies and super benefits, and highlights any shortfalls with detailed recommendations and easy-to-read visual insights.
Life Insurance Calculator
Estimate your life insurance needs with our Life Insurance Calculator. Work out the right level of cover to protect your family and secure their financial future.
Income Protection Insurance Calculator
Find out how much monthly disability income protection insurance you qualify for. Use our calculator to estimate cover levels tailored to your income and needs.

'Calculator results are estimates only and not quotes. Actual quotes will be provided by licensed brokers after you submit an enquiry.'


Insurance News

Life Code Changes Move From Review to Real-World Impact
Life Code Changes Move From Review to Real-World Impact
16 Sep 2026: Paige Estritori
The Financial Services Council’s continuing work on the Life Insurance Code of Practice is now less about consultation and more about how reforms will be embedded in everyday customer experience. For Australian households, that matters because the Code influences how insurers explain policies, assess applications, support vulnerable customers and manage claims during some of life’s most difficult moments. - read more
Latest APRA Figures Put Policy Suitability Back in Focus
Latest APRA Figures Put Policy Suitability Back in Focus
09 Sep 2026: Paige Estritori
The latest APRA life insurance performance statistics suggest Australia’s life insurance sector remains on firmer ground than during the more volatile years of pandemic disruption, elevated claims pressure and rapid premium repricing. For policyholders, that is broadly positive. A stable insurer is better placed to pay claims, invest in service improvements and maintain confidence in long-term protection products. - read more
What Stronger Genetic Test Protections Mean for Life Insurance Applicants
What Stronger Genetic Test Protections Mean for Life Insurance Applicants
02 Sep 2026: Paige Estritori
Australians considering life insurance are set to receive stronger protection around the use of predictive genetic test results, in a reform designed to reduce one of the more difficult barriers to seeking cover. The change is aimed at stopping life insurers from declining applications, loading premiums or applying exclusions solely because an applicant has an adverse predictive genetic test result. - read more
Fresh Life Code Findings Highlight the Real Test of Cover
Fresh Life Code Findings Highlight the Real Test of Cover
26 Aug 2026: Paige Estritori
Fresh oversight of Australia’s life insurance sector has again drawn attention to a practical issue many households only discover at the worst possible time: the strength of a policy is not measured by the benefit amount alone, but by how clearly and fairly the insurer communicates when a claim, complaint or policy change arises. - read more
Life Insurance Articles

How Life Insurance Can Secure Your Mortgage
How Life Insurance Can Secure Your Mortgage
Picture this: You and your family have just moved into your dream home. It’s a space filled with hope and countless plans for the future. But, amidst the excitement of homeownership, have you paused to consider the 'what ifs'? Unforeseen circumstances can threaten the security of your family's biggest asset—their home. - read more
What does life insurance cover in Australia?
What does life insurance cover in Australia?
Life insurance in Australia is usually designed to pay a lump sum if the insured person dies or, in many policies, is diagnosed with a terminal illness. This guide explains common inclusions, exclusions and policy conditions to check before comparing cover. - read more
How life insurance underwriting works in Australia
How life insurance underwriting works in Australia
Life insurance underwriting is the assessment process insurers use to decide whether they can offer cover, on what terms and at what premium. In Australia, your health, lifestyle, occupation, past medical history and disclosure can all affect the outcome. - read more
Life Insurance for Millennials: Preparing for the Future
Life Insurance for Millennials: Preparing for the Future
Imagine this: you’re a young professional establishing your career, managing student loans, and possibly even thinking about buying a home. Amidst all these financial responsibilities, life insurance may seem like something to worry about much later. However, even at a young age, securing life insurance can be a vital step towards protecting your financial future. - read more
Knowledgebase
Endorsement:
An amendment or addition to an existing insurance policy that changes the terms or scope of the original policy.